I have had Hagerty insurance now for several years. I have only had one claim and it was for a chip in the windshield. They were very prompt in payment to me, but I did have to pay the glass company up front. It just worked out better for all that way.
A friend with Hagerty insurance did get rear-ended( they hit him). Then they later claimed somebody had hit them and it was not really their fault. Hagerty insured the friends car and took good care of him in repairing/ restoring his car. I like their rates especially for multiple cars.
As to the mileage limitations that may not be true. They allow you to drive your car for certain reasons like club activities with no limit. So if you were to drive cross country to a VTR meet you would be covered regardless of the distance. Or at least that is what I and my insurance agent understand from reading the policy.
Charley Fitch
